Recurring payments
Bilance detects recurring patterns in your synced bank transactions and suggests subscriptions and bills for you to confirm. Your list shows expected amounts and dates, matched payments, and what is still due. Review it to find services you no longer use or charges that need checking.
How it works
A detection engine looks for repeating patterns in your synced transactions, such as the same merchant, a similar amount and a regular frequency. You confirm each suggestion, so nothing lands in your list without your sign-off. You can also create a recurring from an existing eligible transaction and choose its frequency. Expected amounts are learned from the actual payments, so the list reflects what things really cost.
Around the list sit the views that make it useful: a calendar of upcoming payments, a "balance after recurrings" number, archiving for ended subscriptions, a recurrings section in every Monthly report, and visibility in AI Chat. You can ask what your tracked streaming payments add up to, then check the underlying transactions.
What it catches
What things really cost. Expected amounts are learned from the actual payments, so check the latest matched charge when reviewing a bill. An expected amount may lag behind a price change until the new payment appears.
Forgotten subscriptions. Repeated charges in your connected accounts can reveal services you stopped using. Detection depends on the transaction history available to Bilance.
Payments to check. An expected payment with no matching transaction can show as overdue. Check your bank and the provider before assuming the bill is unpaid; a sync delay or a changed transaction description can also need investigation.
Balance after tracked payments. Balance after recurrings combines included account balances with expected recurring payments. It does not reserve money or account for every future expense. Leave room for groceries, one-off costs and bills missing from your list.
How to check for forgotten subscriptions
- Connect the accounts and cards you use for payments, then review the recurring suggestions. Confirm the ones that belong in your list.
- Check recent charges against the services you still use. A free trial with no bank charge yet will not be visible in transaction history.
- Check annual subscriptions separately. If the last renewal is outside the imported history, look at your bank statement or the provider's billing page.
- Cancel unwanted services with their providers and keep the confirmation. Archive the recurring payment in Bilance once it has ended.
Missing a payment from the list? Follow the steps tocreate a recurring payment from a transaction. To compare the annual cost of services, use thesubscription cost calculator.
Honest limits
Bilance tracks and totals your recurring charges; cancelling one still happens with the provider. Expected amounts are learned from matched transactions rather than typed in. You edit a recurring's name, frequency and matched transactions, not its amount. Internal transfers between your own accounts cannot be recurring payments, and recurrings are not yet shared in Shared Finances.
Frequently asked questions
Does Bilance cancel subscriptions for me?
No. Bilance helps you review tracked recurring charges and their expected dates. You cancel a subscription with its provider. Archiving it in Bilance only stops tracking it in the active list.
How does Bilance detect my subscriptions?
Bilance looks for repeating patterns in your synced transactions, such as the same merchant, a similar amount and a regular frequency. It suggests recurring payments for you to confirm. You can also create one from an existing eligible transaction and choose its frequency.
Does Bilance track recurring income too?
Yes. Recurring payments can track repeated income, such as salary or rent you receive, as well as expenses. These are expected payments, not a guarantee that money will arrive on that date.
Find out what you actually pay for
Connect your supported bank accounts, review the recurring suggestions and see your tracked subscriptions and bills together.
